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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $123,964 | $72,071+72.0% | $68,368+81.3% | $137,256-9.7% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 9.72% | 353.14%-343.4pp | 292.57%-282.9pp | 220.34%-210.6pp |
| Employer contribution / active EE | $2,091 | $2,788-25.0% | $2,649-21.1% | $4,156-49.7% |
| Participant deferral / active EE | $6,920 | $4,410+56.9% | $4,123+67.9% | $6,407+8.0% |
| Admin fee / account holder | $3,309 | $5,336-38.0% | $5,150-35.7% | $12,270-73.0% |